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SBI Health Insurance Super Top-up Plan
A Super Top-Up Plan is a type of health insurance that provides extra coverage. It is actually the additional coverage given to the policyholder, above the actual insurance limit. This idea of a super top-up plan benefits in case the medical bill is beyond the deductible amount. In simple words, it adds an extra safety layer to the existing health insurance plan and helps save money during high medical costs.
What Does the SBI Health Insurance Top-up Plans Covered and not Covered?
Here is the list of inclusions and exclusions that the SBI health insurance top-up plan offer:
Covered
- In-Patient Treatment
- Pre-Hospitalization Medical Expenses
- Post-Hospitalization Medical Expenses
- Day Care Treatment
- Organ Donor
- Modern Treatment
- AYUSH Treatment
- Domiciliary Hospitalization
- Road Ambulance
- Home Health Care
Not Covered
- Cosmetic or Plastic Surgery
- Refractive Error Treatments
- Maternity (unless the ‘Maternity Expenses’ cover is selected)
- Alcohol-related Treatments
- Rest Cure, Rehabilitation, and Respite Care
- Change of Gender Treatments
- Obesity or Weight Control Procedures
- Wellness and Rejuvenation Programs
- Breach of Law-related Treatments
- Experimental Treatments
- Sterility and Infertility Treatments
- Hazardous or Adventure Sports Injuries
- Dietary Supplements and Substances
- Investigation and Evaluation Charges
- Treatments from Excluded Providers
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FAQs
Inclusions are the medical expenses and treatments that are covered under the SBI health insurance policy.
Exclusions are the treatments or conditions that are not covered by the policy, like cosmetic surgery or drug abuse.
It helps understand what is covered and what is not, so there are no surprises during a claim.
No, exclusions can vary depending on the plan type and policy terms.
All details are mentioned in the policy brochure or document provided by SBI General Insurance.